Our Services

General Liability

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury resulting from your operations.

Why You Need It

General liability insurance is a core coverage for organizations of all sizes. It provides protection when unexpected incidents occur, such as bodily injury, property damage, or other liabilities arising from day to day operations, activities, or premises exposure.

Property Coverage

Building Coverage: Covers damage to the physical structure of your building caused by covered events such as fire, wind, vandalism, or theft.

Business Personal Property (BPP): Covers your business's movable property, including furniture, equipment, inventory, and supplies, against covered causes of loss.

Why You Need It

Your physical assets are essential to your business operations. Property coverage ensures you can recover and continue operations after unexpected damage to your building or business property.

Workers' Compensation

Provides medical benefits and lost wage coverage for employees injured on the job and helps protect employers from employee injury lawsuits.

Why You Need It

Workers' compensation is required by law in most states. It protects both your employees and your business by covering medical expenses, rehabilitation costs, and lost wages for work-related injuries or illnesses.

Disability & Paid Family Leave

Provides income replacement for employees who are unable to work due to a non-work-related injury, illness, or qualifying family leave.

Why You Need It

Disability and paid family leave insurance helps your employees maintain financial stability during difficult times, while keeping your business compliant with state requirements.

Umbrella / Excess Liability

Provides additional liability limits above your primary policies, helping protect your business against large or catastrophic claims.

Why You Need It

When a claim exceeds your primary policy limits, Umbrella / Excess coverage steps in to provide an extra layer of protection, safeguarding your business assets from significant financial loss.

Builders Risk

Covers buildings and materials during construction or renovation, protecting against losses from fire, theft, vandalism, and certain weather events.

Why You Need It

Construction projects involve significant investment in materials and labor. Builders risk insurance ensures that your project is protected from unexpected events that could cause costly delays or losses.

Inland Marine

Covers tools, materials, and equipment while in transit or temporarily stored at job sites or off-site locations.

Why You Need It

Standard property insurance often doesn't cover items that are moved between locations. Inland marine insurance fills that gap, protecting your valuable tools and materials wherever your work takes you.

Contractors Equipment

Protects construction equipment and machinery from damage, theft, or loss, whether owned, rented, or leased.

Why You Need It

Construction equipment represents a major investment. Whether you own, rent, or lease your machinery, contractors equipment insurance ensures you're protected against unexpected damage, theft, or loss.

Directors & Officers Liability (D&O)

Protects company directors and officers from claims alleging wrongful acts, mismanagement, or breaches of fiduciary duty in their leadership roles.

Why You Need It

Directors and officers face personal liability for the decisions they make on behalf of the company. D&O insurance provides critical protection against lawsuits that could threaten their personal assets.

Professional Liability

Covers claims arising from errors, omissions, or negligence in professional services provided to clients.

Why You Need It

Even the most skilled professionals can face claims of negligence or mistakes. Professional liability insurance protects your business from the financial impact of such claims, covering legal defense costs and potential settlements.

Product Liability

Protects businesses against claims of bodily injury or property damage caused by products they manufacture, distribute, or sell.

Why You Need It

If your business manufactures, distributes, or sells products, you could be held liable for injuries or damages those products cause. Product liability insurance provides essential protection against these costly claims.

EPLI

Protects businesses against claims related to employment-related issues such as discrimination, harassment, wrongful termination, and retaliation.

Why You Need It

Employment-related lawsuits are increasingly common and can be extremely costly. EPLI coverage protects your business from the financial impact of claims made by current, former, or potential employees.

Commercial Auto

Provides liability and physical damage coverage for vehicles used in business operations, protecting against accidents, injuries, and property damage.

Why You Need It

If your business uses vehicles for any purpose, commercial auto insurance is essential. It covers liability for accidents involving company vehicles and can also protect the vehicles themselves from damage or theft.

Crime

Covers financial losses resulting from employee dishonesty, theft, fraud, forgery, or other criminal acts committed against your business.

Why You Need It

Internal and external criminal acts can cause significant financial damage to any business. Crime insurance helps protect your bottom line from losses due to theft, fraud, and other criminal activities.

Bonds

Bonds provide a financial guarantee that a business or individual will fulfill contractual, legal, or regulatory obligations. They protect the party requiring the bond by ensuring work is completed, laws are followed, or payments are made as agreed.

Why You Need It

Many contracts and government regulations require bonds as a condition of doing business. Having the right bond in place demonstrates your reliability and financial responsibility to clients, partners, and regulators.

Pollution Coverage

Provides coverage for claims arising from pollution conditions, including bodily injury, property damage, and cleanup costs.

Why You Need It

Environmental liabilities can be extremely costly and are often excluded from standard insurance policies. Pollution liability insurance provides specialized coverage for contamination events, cleanup expenses, and related claims.